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Loan purpose
Zip code
Purchase price
Down payment
Estimated property value
What's this?Current balance
What's this?Close- Current mortgage balance
- Your current balance is the total amount you owe on your mortgage. It is the difference between the original amount borrowed and the money you have paid toward the principal so far. If in addition to your 1st mortgage, you have a 2nd mortgage (or a home equity line of credit) include the combined outstanding balance from your 1st and 2nd mortgage. Contact your lender to find out your exact outstanding balance.
Low equity: less than 20%Who backs your loan?
What's this?Close- Who owns/backs your loan?
This field helps us determine whether you are eligible for special programs such as HARP or FHA streamline refinances.
To see if your loan is owned or guaranteed by Fannie Mae or Freddie Mac, use the following lookup tools:
To find out if you have an FHA-insured loan:
- Check your monthly statement to see if you have a mortgage insurance premium (MIP). This is what FHA calls its mortgage insurance — so if you see it on your statement, you have an FHA-insured loan; or
- Check your closing docs and find your closing statement (called a HUD1). Look in the top-right corner on the first page and see if you find a HUD 13-digit case number in this format: 000-0000000-000. If you do have a HUD case number, you have an FHA-insured loan.
- If you're still uncertain, call your lender or servicer.
Learn more about the options for refinancing your underwater mortgage:
Special low equity programsDesired loan amount
What's this?Close- Desired loan amount
- Enter the amount of money you would like to take out.
Credit score
What's this?Close- Credit Score
If you are applying with a co-borrower, the credit score should be the lowest credit score between the two borrowers.
Estimate your credit score
Annual income
What's this?Close- Annual Income
- Include all of your annual income before taxes, including:
- Annual base salary (before taxes and expenses are deducted)
- Any recurring commissions, bonuses, overtime, and tips that you expect to continue
- Rental income, stock dividends, investment income, etc.
- Any alimony/child support payments you receive
Note: If you are applying with a co-borrower, include both your and your co-borrower's annual income
Monthly debts
What's this?Close- Monthly Debts
- Include:
- Minimum credit card payments
- Car payments
- Student loans
- Alimony/child support payments
- Any house payments (rent or mortgage) other than the new mortgage you are seeking
- Rental property maintenance
- Other personal loans with periodic payments
Note: If you are applying with a co-borrower, include both your and your co-borrower's monthly debts.
Do NOT include:- Credit card balances that you pay off in full each month
- Existing house payments (rent or mortgage) that will become obsolete as a result of the new mortgage you are seeking
- The new mortgage you are seeking
Property type
How is home used?
What's this?Close- Home Use
- Lenders offer different rates for mortgages depending on how the property will be used. For example, a loan for a rental property is more expensive than a loan for a primary residence because lenders believe investors are more likely to stop paying their mortgage and walk away from a rental property than they are from their own home.
Cash out
What's this?Close- Cash out
- Enter the amount of additional cash you would like to take out.
Cash-out refinancing means you refinance your mortgage for more than is currently owed, then you use the difference to pay for things such as home improvements, buying a car, paying for school, and vacations, just to name a few.
Year property purchased
What's this?Close- Year property purchased
- What year did you purchase the property?
First-time buyer?
What's this?Close- Are you or your co-borrower a first time buyer?
- Lenders sometimes offer special loan programs to first-time homebuyers.
New construction?
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- Are you or your co-borrower eligible for VA loans?
- You can check your eligibility and learn more about VA loans on the Department of Veterans Affairs Web site.
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- Have you or your co-borrower used your eligibility before?
- Eligibility is reusable depending on your circumstances but may affect your fees. To learn more about eligibility, see the VA FAQ page.
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- Do you or your co-borrower have any VA related disabilities?
- Having service-related disabilities may exempt you from having to pay a VA funding fee.
Type of veteran
What's this?Close- Type of veteran
- Funding fees can vary based on your type of service and down payment.
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- Have you or your co-borrower declared bankruptcy in the last 7 years?
- Bankruptcy is the legal process in which a person declares their inability to pay off their debts. Bankruptcy does not mean you cannot get a loan, but the terms of your loan may not be as favorable.
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- Have you or your co-borrower been foreclosed on in the last 7 years?
- Foreclosure is a legal process by which a bank or lender sells or repossesses a mortgaged property because the borrower could not pay the loan. Foreclosure does not mean you cannot get a loan, but the terms of your loan may not be as favorable.
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- Are you or your co-borrower self-employed?
- Loans for self-employed borrowers typically require more documentation for items like your income and assets. Notice that by selecting self-employed we also ask for your assets.
Assets
What's this?Close- Assets
- While you don't need to tally up every asset you own, include your largest assets. Lenders typically look at both your liquid assets and non-liquid assets. Liquid assets are things you could access quickly such as checking, savings or stock accounts. Non-liquid assets are things you own but which you probably cannot sell immediately like real estate assets.
To calculate the value of your real estate assets,use the fair market value minus your remaining mortgage balance to get the equity total. (e.g., $250,000 fair market value minus a mortgage balance of $100,000 = $150,000 in equity)
Note: If you are applying with a co-borrower, include both your and your co-borrower's assets.
Desired loan programs?
What's this?Close- Loan programs
- There are two main types of mortgage programs: fixed rate and adjustable rate mortgages (ARMs.) Fixed rate programs: Fixed rate loans have the same rate and monthly payments for the life of the loan. The number of years describes how long it will take to pay off the loan. Fixed rate loans are good for people who do not plan to move or refinance for many years. They are also good for people who have a lower tolerance for risk and want predictable expenses. The downside is that fixed rate mortgages typically have higher interest rates than adjustable rate mortgages. ARM programs: ARMs have an introductory period when the payments are the same each month like a fixed loan. After the introductory period, the payments can change to be higher or lower. For example, a 5/1 ARM has a fixed rate for 5 years and then adjusts once per year for the remaining 25 years of the loan. ARM payments are usually cheaper than fixed-rate payments during the introductory period. If you believe you will sell or refinance your home before the introductory period ends, an ARM loan might make sense for you.
Desired loan programs?
What's this?Close- Loan Programs
- Fixed home equity A home equity loan is a fixed-rate second mortgage designed to tap into the equity that has built up because a property appreciated, the first mortgage principal has been paid down, or both. Adjustable HELOC HELOC stands for home equity line of credit. It is a second mortgage with an adjustable rate. The concept of HELOC is similar to a credit card in which you can borrow up to a certain amount of money within a certain amount of time.
Learn more about home equity loans.
Close- Estimate the home's value
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CA Mortgage Rate Trends
- What's this?Close
Rates displayed in Zillow Mortgage Marketplace rate charts and graphs are based on quotes for borrowers with a credit score over 720 who requested a conventional, fully-amortized loan for an owner-occupied, single family residence with a maximum loan-to-value ratio of 80% and a loan amount between $200,000 and $417,000. Learn more about our rates.
| 30 Year Fixed | Market Average |
|---|---|
| California | -- % |
| National | -- % |
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- Points
- Points are fees you are willing to pay to get a lower interest rate. The number of points refers to the percentage of the loan amount that you would pay. For example, "1 point" means a charge of 1% of the loan amount.
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